Business Support Services

Private Employer Group Rating 2024

Joining a group rating program is the best way for Ohio employers to significantly lower their Ohio workers’ compensation premiums. We offer a multi-tiered group rating program with the highest possible discounts allowed by the Ohio Bureau of Workers’ Compensation (BWC)

Program Overview

Group rating enables state-funded employers with better than average claim histories to combine claim expenses and rate calculations to take advantage of premium savings currently reserved for larger employers. By participating in group rating, employers enjoy a much lower premium than could be attained on their own. Savings generally range from 20% of premium to the maximum discount allowed by the BWC each year.

Eligibility Requirements

Private, state-funded employer (self-insured and state agency public employers are not eligible)
Current on any and all premium payments, administrative costs, assessments, fines or amounts owed to the Ohio Bureau of Workers’ Compensation (BWC)
Current on all prospective billing true-up filings and payments
Active coverage by the application deadline
No cumulative lapses in coverage in excess of 40 days within the 12 months preceding the application deadline
May not be a member of more than one group
If a workers’ compensation claim is incurred in the “green period” (15 month period prior to the experience survey date), the employer shall attend two hours of safety training or complete the BWC’s online accident analysis form and online safety class

Application Deadline

Employer Type	Policy Period	Application Deadline
Private Employer	July 1 – June 30	Monday before Thanksgiving

Why Choose Sedgwick’s Program

Savings of more than $4 billion through Sedgwick’s group rating programs for more than 60,000 Ohio employers. In policy year 2024 Fairborn Chamber members participating in the Sedgwick Group and Group Retrospective programs have an expected savings of $31,413.

Complacency and the Workplace

The term complacency, doing the same task for so long without incident that you assume nothing will ever happen, can become a challenge in any workplace.

Complacency can affect anyone at any age regardless of their experience but there are ways to spot complacency among yourself and your employees.

All too often employees do not realize how complacent they actually have become until they have a near miss or close call; such events tend to jump start hearts and refocus proper attention, at least for a little while, to the importance of tasks at hand.

Many times, employees are unaware of complacency and as they work through their daily job functions, they lose sight of hazards that may exist. Some may feel they are not affected by complacency but just letting your guard down for short time can be dangerous.

One way to combat complacency is to be an engaged worker. Engaged
workers are those that always work in the moment staying aware of the surroundings.

Let’s take an example of a person who performs a daily safety inspection before operation. This daily routine occurs for months even years without incident. Then the employee decides to skip the inspection. Then another time and soon inspections are being done less frequently and then something happens. Perhaps the employee doing the inspection gets injured or one of their fellow workers. Either way the results can be terrifying.

Usually the best person to spot complacency is the employee themselves, but complacency can mean they don’t see the dangers right in front of them.

To stay safe, teach employees how to identify complacency for themselves.

This may include situations such as:

Dissatisfaction with work and/or lack of motivation
Missing steps in work processes
Frequent near-misses or incidents

Since it can be difficult to recognize these signs for each employee, teach them to spot them in their co-workers. The more they learn how to recognize these signs, the easier it may be to identify them in other situations.

When looking at signs of complacency from your employees keep an eye out for the following situations:

Changes in attitude
Noticeable increase or decrease in communication
Tardiness for meetings or shifts

As we mentioned earlier, getting employees engaged is a key point in getting out of the rut of complacency.

There are some steps to focus on that will help:

By consciously focusing on the task will lead to setting them up for success.
It is key to recognize and dismiss distractions when they come up.
When approaching tasks look for improvements in the routine. Always be on the lookout for continual improvement.
If possible, consider changing some elements of the work schedule for the day; the change could help them focus and keep them from falling into “cruise control” mode

Recommended Business Resources

Our goal is to connect you and your business with the right resources to help your company succeed. From local to county to state there are some valuable links below that can assist you.

If you have any questions or need any help please don’t hesitate to contact us.

We are here to help!